FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, negotiable order of withdrawal (NOW) account, savings account, money market deposit account (MMDA), time deposit such as a certificate of deposit (CD), or an official item issued by a bank, such as a cashier's check or money order.
FDIC insurance covers depositors' accounts at each insured bank, dollar-for-dollar, including principal and any accrued interest through the date of the insured bank's closing, up to the insurance limit.The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank.
Tools and Resources
- EDIE Online Calculator
Calculate deposit insurance coverage.
See if your bank is covered.
- Online Catalog
Order brochures and other educational materials.
- Deposit Insurance for Accounts Held by Government Depositors
Learn more about the various types of account categories the FDIC insures.
Use this interactive tool to learn about revocable and irrevocable trust accounts, understand how the FDIC determines deposit insurance coverage and follow comprehensive examples.
Use this chart to determine if your account qualifies for FDIC insurance.
Educate yourself about investment products, such as mutual funds, annuities, life insurance policies, and stocks and bonds, which are not insured by the FDIC.
Get an overview of the history of the FDIC, why deposit insurance is important, how it is funded and how coverage can apply to your accounts.